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THE 

BUDGET  SYSTEM 

AND 

DEPOSITORS'  HANDBOOK 


BY    EDWIN    C.    HYDEN 

4 


CONTENTS 

Page  Page 

Money    is    Power    2-3         Calendar     17 

The    Secret     4        Where    You    Start    18 

Planned  Procedure 5  Your      Budget      Records      for 

Salary   for    Home  Manager    .  .    G  one  year 21  to  55 

Income     Chart     7  Inventory    Personal   Property  56 

Distribution    Chart     8        Worth    57 

Explanation 0  Weights    and     Measures     ...  .58 

Apportionment     9        Business     Laws     59 

Extra   Income    9"        Personal     Memoranda     60 

Record  Charts   9  Automobile    Record    Chart    ..61 

Fat  and   Lean   Periods    9         Largest    Cities    in    U.    S 62 

Utility   and    Purpose    10  Distances    Between    Cities     ..63 

Value   10     .Parcel     Post     Rates     64 

Obligation   10-11        Rates    of    Postage     65 

A  Man's  Book   ...10-61        Interest    Calculations    66 

Inventory    and    Worth     Formulas    and    Tables     67 

10-19-20-56-57  Balanced   Ration  Chart    .  .  .68-69 

Model    Charts    11-12-13        Greater    Reward    70 

Monthly  Segregation  Chart  14-15        Home 71 

Recapitulation  Chart    16        Interest    Chart    72 


NOTE. 

The  Author  will  give  $100.00  for  each 
suggestion  that  is  adopted  which  tends  to 
make  this  book  more  useful. 

A  "Greater  Reward"  is  pictured  on  page 
70  for  the  ones  who  use  this  book. 


Copyright    1922. 

EDWIN  C.  HYDEN 

Dayton,   Ohio 


1  MONEY  IS  POWER 

Like  the  waters  of  the  Great  Niagara, 
American  money  pours  forth  in  abundance 
and  power.  The  man  who  saves  a  portion 
of  that  which  he  receives  will,  in  a  short 
time,  find — that  at  compound  interest  its 
power  is  increasing  with  most  remarkable 
rapidity.  Its  ability  to  do  his  work  and  al- 
low him  to  begin  to  think  of  ease,  content- 
ment, harmony  and  happiness  in  his  latter 
years  of  life,  soon  begins  to  manifest  itself. 

Niagara,  the  mighty  giant  of  power,  if 
properly  harnessed  is  capable  of  doing  the 
work  of  thirty  million  men  a  day.  This  de- 
velopment of  natural  resources  and  other 
similar  projects,  such  as  irrigation,  recla- 
mation, cultivation,  only  await  the  neces- 
sary accumulation  of  wealth.  If  ten  million 
American  families  would  make  up  their 
minds  to  save  ten  percent  of  their  income 
for  ten  years,  investing  only  on  the  advice 
of  their  banker  when  five  hundred  or  a 
thousand  dollars  has  been  accumulated,  their 
success,  and  the  future  success  of  their  chil- 
dren would  be  assured. 

Savings  invested,  not  only  works  for  you 
day  and  night  with  accelerating  force,  but 
buys  science,  invention  and  engineering, 
builds  homes,  highways  and  industries,  and 
— last  but  not  least,  educates  your  children 
to  take  part  in  this  great  development. 

The  problem  of  SUCCESS  and  ENJOY- 
MENT of  a  long  life  is  solved  by  the  man 
who  has  grit  enough  to  say — "I  will  save 
NOW  while  I  have  earning  power."  Don't 
envy  success — enjoy  it.  Remember — the 
failures  in  life  are  the  ones  who  intend  to 
save  next  pay  day. 


R30S87 


THE  N^lfttfAXlfldiftfp  ptfDGET  SYSTEM 

* 


DEPOSITORS'  HANDBOOK. 

WHAT  IS      A   system   of  charts  for  recording   savings 
IT?  and  expenditures. 

WHAT  To  give  you  a  PLANNED  PROCEDURE 

FOR?  for  obtaining  happiness,  success  and  pros- 

perity. 

HOW?  By  daily  USE  a  greater  joy  is  experienced 

in  spending  less  and  saving  more. 

SUCCESS  IS  YOURS 

A  PLANNED  PROCEDURE  assures  it,  when  you 
definitely  and  positively  decide  to  "do  or  die"  in  order 
to  gain  that  which  it  is  your  right  to  have.  The  very 
first  step  is  to  set  an  objective  for  yourself  —  something 
to  work  for  —  because  without  some  aim  in  life  one  does 
not  get  very  far. 

He  who  intelligently  plans  his  spending  CAN  SAVE 
and  that  is  the  surest  and  most  direct  road  to  any  ob- 
jective, and  the  Secret  of  Success. 

You  may  want  to  go  into  business  for  yourself.  You 
may  want  your  children  to  go  through  college.  You  may 
want  a  beautiful,  well  furnished  home  —  an  automobile 
—  and  a  large  bank  account.  These  are  all  possible  to 
him  who  makes  a  well  planned  start  and  wlgen  peace, 
confidence  and  security  begin  to  grow,  along  with  your 
savings  account  —  from  then  on  the  way  gets  easier. 

It  has  been  said  that  the  world  owes  every  one  a 
living;  true  —  but  every  one  owes  himself  a  savings 
account.  Saving  is  easy  when  you  systemize  your 
expenses.  Governments,  large  business  concerns,  and 
successful  business  men  in  general  find  it  profitable  to 
use  the  Budget  System  of  Expenditures,  so  why  not 
use  it  in  the  Home? 

The  use  of  the  National  Home  Budget  System  will 
simplify  the  making  out  of  your  income  tax  report. 
Merely  by  glancing  through  your  records  and  noting 
the  many  items  (such  as  gifts,  etc.),  which  may  be 

4 


deducted,  hours    of    hitherto    hard    and    conscientious 
study  will  be  eliminated. 

The  National  Home  Budget  System  teaches  you  how 
to  be  successful  and  will  do  away  with  periods  of 
being  hard  up  or  going  through  the  humiliating  exper- 
ience of  borrowing  from  your  friends,  or  still  worse, 
borrowing  at  extortionate  rates  of  interest. 

The  following  charts,  if  strictly  adhered  to,  will 
make  you  happy  and  all  worry  as  to  how  you  can 
meet  your  expenses  will  be  eliminated.  When  your  bills 
come  due  you  will  have  the  money  ready  to  pay  them. 
The  first  thing  to  do  is  to  open  a  savings  account  at 
some  reliable  bank. 

Apportion  your  income  to  a  definite  percentage  as 
shown  in  the  chart  below. 


MARRIED 


SINGLE 


Single  people,  as  shown  by  the  chart  above,  especially 
sons  and  daughters  working  and  living  at  home,  should 
be  required  to  contribute  to  the  general  family  income 
50%  of  all  they  earn,  saving  20%  in  their  own  name  and 
having  a  balance  of  30%  to  be  equally  divided  between 
clothes  and  amusements.  This  discipline  will  prove 
most  advantageous  to  these  young  folks,  for  so  many 
boys  and  girls  are  allowed  to  spend  practically  all  they 


earn  prior  to  marriage — then  when  the  time  conies  for 
them  to  maintain  a  home  of  their  own,  it  is  extremely 
difficult  for  them  to  curb  their  desire  to  spend  money 
for  unessentials.  Most  every  one  knows  how  to  earn 
money,  but  the  important  thing  is — how  to  spend  wisely. 

Save — Spend — Enjoy  life  and  be  happy,  but  be  sure 
to  follow  this  system,  until  you  learn  how  to  spend. 

It  has  been  stated  by  expert  economists  that  if  75%  of 
the  world  saved  10%  of  their  income,  no  one  would 
ever  know  what  "Hard  times"  meant. 

The  use  of  this  system  of  charts,  along  with  a 
combination  journal  and  ledger  contained  herein,  will 
enable  you  to  keep  an  accurate  account  of  your  home 
expenditures;  stop  the  leaks,  and  put  your  home  on  a 
firm  foundation.  It's  good  business — try  it. 


SALARY  FOR  THE  HOME  MANAGER:  This 
system  can  readily  be  applied  so  you  can  employ,  on  a 
commission  or  allowance  basis,  your  wife  (or  house- 
keeper) by  making  a  percentage  allowance  of  your 
total  income  to  the  home  expenses.  Example:  If  your 
income  be  $3600  per  year  and  you  do  not  wish  to  spend 
on  the  home  more  than,  say,  two  thirds  of  your  income, 
allow  $2400  for  your  wife;  give  her  this  Home  Budget 
System  to  work  by,  allowing  her  whatever  she  can  save 
or  the  savings  account  in  her  own  name.  The  balance 
of  $1200  can  be  used  for  your  own  investments,  personal 
expenses,  club  dues,  presents  for  your  wife,  etc.  (A  box 
of  candy  or  a  bunch  of  flowers  occasionally  is  an  in- 
vestment that  will  pay  dividends  of  happiness.) 

The  Model  Daily  Expense  Record  on  page  12  is 
self-explanatory.  On  pages  22-23  will  be  found  the  first 
month's  Daily  Income  and  Expense  Record  Chart. 
Twelve  of  these  charts  alternating  with  Obligations  to 
Meet  Charts  form  a  journal  with  which  you  may  keep 
daily  records  of  expenditures  for  one  year. 


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EXPLANATION 

APPORTIONMENT. 

(1)  Your  income,  salary  or  wage  should  be  divided 
into  six  portions  of  such  percentage  as  is  indicated  by 
Circular   Chart   on   Page   5,   and   distributed   over   such 
expenses  as  you   may  have  that  are  shown  in   Distri- 
bution Chart  on  Page  8.    It  is  not  likely  that  any  one 
family  will  have  all  the  expenses  listed  in  this   Chart. 
The  main  point  is  to  adhere  as  closely  as  possible  to 
the   percentage    shown,   especially    the    savings.      The 
percentage  for  shelter  (that  is  rent  or  home  payments) 
may  vary  somewhat,  as  for  instance,  if  you  are  buying 
a  home  you  may  cut  down  on  your  luxuries  or  some 
of  the  so-called  necessities  of  the  higher  life  percentage 
and  contribute  this  amount  to  your  home. 

EXTRA  INCOME 

(2)  It  is  also  quite  possible  that  you  may  have  addi- 
tional income  at  irregular   times,  such  as   extra  work, 
overtime,  interest,  dividends  on  investments  or  a  bonus. 
If  you  are  living  in  accord  with  your  Budget  made  up 
from  your  regular  income  you  can  and  (to  gain  your 
great   ambition)    should    add   this     total   extra    income 
to  your  savings  account. 

RECORD  CHARTS. 

(3)  The  Model  Daily  Expense  Record  Chart  on  page 
12  is  self-explanatory.     It  shows  how  convenient  and 
easy  a  complete  daily  record  of  expenditures  may  be 
kept.      The    Model    Recapitulation    Chart    on    Page    13 
shows  the  monthly  receipts,  disbursements  and  balances 
for  one  year.    The  ledger  consists  of  one  of  these  Charts 
together  with  a  monthly  Segregation  Chart  which  will 
be  found  on  Pages  14-15-16. 

FAT  AND  LEAN  PERIODS. 

(4)  This  gives  you  a  book  which  will  enable  you  to 
keep  an  accurate   account  of  your  home   expenses   for 
one  year.    It  will  be  noticed  in  the  Recapitulation  Chart 
that  the  balance  in  the  checking  account  grows,  up  to 
certain  periods,  when  possibly  new  clothes,  the  winter's 
coal   supply,   or   a  vacation   is   neededf>  then   the     fund 
which  has  been  growing  is  used  for  this  purpose. 

9 


UTILITY  AND  PURPOSE. 

(5)  The  purpose  of  this  Home  Budget  System  is  to 
make  it  easier  for  Home-Makers  to  save,  and  still  have 
all  the  joys  to  which  their  income  entitles  them.     The 
family,  using  this  system  for  a  short  time,  will  see  it 
is   easy  to  save  and   still  have  sufficient  funds   for  all 
necessities  and  the  little  luxuries  that  make  life  worth 
living.    STICK  TO  THE  PERCENTAGES— don't  eat 
too  much;  Don't  pay  too  much  rent;  Let  the  home  man- 
ager use  this  System  and  make  the  home  harmonious. 

VALUE. 

(6)  In    the   model    records    on    pages    11-12-13    are 
shown   the  method  of  keeping  daily  and  monthly  ac- 
counts;   the    scrip    showing    the    place    to^  enter    your 
daily,   monthly    and    yearly    expenditures,    income,    bal- 
ances, savings,  etc.    Most  of  the  entries  are  made  at  the 
end  of  the  month,  when  bills  are  generally  paid.     The 
cash  or  checking  balance  will  vary  with  different  sea- 
sons,   etc. — the    4th    month    new    spring    clothes    were 
needed;  in  August,  a  vacation  was  taken;  in  September 
no  gain  was  made  because  of  the  purchase  of  the  win- 
ter's supply  of  coal;   in   November  and  December   the 
surplus  was  used  for  Christmas  giving,  etc.    At  no  time 
was   any  difficulty  experienced   in  making  the  Savings 
Deposits.      All    necessities    were    provided   and    $240.00 
saved  in  one  year. 

OBLIGATIONS  TO  MEET. 

(7)  Obligations    to    Meet    Charts     (model    on    page    11)     will 
enable   you  to  take  care   of  your  obligations   which   you   know   will 
become  due  some  time  in  the  future,  even  though  it  be  six  months 
or  a  year  in  advance,  such  as — insurance,  taxes,  water  rent,  notes, 
mortgages,  etc. 

A  MAN'S  BOOK. 

(8)  Every    man    will    find    this    book    an    indispensable    pocket 
companion,  an  index  to  his  whole  financial  movements,   systematic- 
ally arranged  for  the  whole  year.     What  man  does  not  want  to  keep 
tab   on  the  upkeep  of  his  auto,  gas,   oil,   tires,  etc.?     See  chart   on 
page  61. 

INVENTORY  OF  WORTH 

(9)  On   pages   19-20   will    be   found    charts    for    making   an    in- 
ventory of  your  worth   today.      On  pages  56-57  will  be   found   sim- 
ilar   charts    for   determining   your    worth    one   year    from    today.      A 
year's   use   of  this   book  will  convince   you   of   its  value.      If  it  has 
not   been    worth    many    times    the   price    paid,    your    money    will    be 
cheerfully  refunded. 


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ITEMIZED    HOUSEHOLD    INVENTORY 


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China — Kitchen 


19 


INVENTORY    AND    BALANCE    SHEET    SHOW- 
ING WHAT  I  AM  WORTH  TODAY. 

Date..  ..192.. 


CREDIT:     My   Property   consists 
of 

My    Obligations   are:    DEBIT 

Cash  on  Hand 

Bills   Due 

Cash  in  Bank 

1 

I 

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j 

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| 

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Total 

Total 

Deduct  Debit  Amt. 

I  AM  WORTH 

How  much  will  I  be  worth  a  year  from  now? 
S3rstematic  Saving  (deposit  weekly)  will  increase  your 
"Worth."     Next  year's  inventory  will  show  progress. 


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Shelter  Clothing  Operating 
25%  13%  12% 

ome  such  as  Interest,  Dividends,  Commiss 
le  only. 

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ITEMIZED     HOUSEHOLD    INVENTORY 


Value 


Value 


Fiwriiture 


Linen 


Clothes 


China — Kitchen 


56 


INVENTORY    AND    BALANCE    SHEET    SHOW- 
ING WHAT  I  AM  WORTH  TODAY. 


Date ..192. 


CREDIT:     My  Property  Consistsi 
of 

My    Obligations   are:    DEBIT 

Cash  on  Hand 

Bills  Due 

Cash  in  Bank 

Real  Estate 

Mortgage 

Bldg.  Loan 

Furniture 

Other  Loans 

Fixtures 

Auto-  Boat 

Interest  Due 

Stocks  —  Bonds 

. 

Total 

Total 

,*&&. 

J$fek  . 

Deduct  Debit  Amt. 

I  AM  WORTH 

How  much  has  the   use   of  the   National   Home   Budget   System 
increased  your  worth?     See  page  20. 


57 


WEIGHTS  AND  MEASURES 

Troy    Weight 

24  grains=l    pwt  12  ounces=l  pound. 

20  pwts.=l  ounce. 

Used   for   weighing   gold,   silver  and   jewels. 

Apothecaries'  Weight 
20  grains=l  scruple.  8  drams=l  ounce. 

3  scruples=l  dram.  12  ounces=l  pound. 

The  ounce  arid  pound  in  this  are  the  same  as  in  Troy  weight 

Avoirdupois   Weight 

27  11-32  gradns=l  dram.  4  quarters=l   cwt. 

16  drams=l   ounce.  2,000  lbs.=l  short  ton. 

16  ounces=l    pound.  2,240  lbs.=l  long  ton. 

25  pounds=l  quarter. 

Dry  Measure 
2  pints=l  quart.  4  pecks=l   bushel. 

8  quarts==l  peck.  36  bushels=l  chaldron. 

Liquid    Measure 

4  gills=l  pint.  3154  gallons=l  barrel. 

2  pints=l  quart.  2  barrels=l  hogshead. 
4  quarts— 1    gallon. 

Mariners'  Measure 

6  feet=l  fathom.  5,280  feet=l  stat  mile. 

120  fathoms— 1  cab.le'th.  6,085  feet=l  naut.  mile. 

7J4  cable  lerigths=l  mile. 

Misellaneous 

3  inches=l  palm.  18  inches=l  cubit. 

4  inches=l  hand.  21.8  in.=l  Bible  cubit. 

6  inches=l  span.  2  Y*  feet=l  military  pace. 

Square  Measure 

144  sq.  inches=l  sq.  ft.  40  sq.  rods=l  rood. 

9  sq.  feet=l  sq.  yard.  4  roods=l   acre. 
30J4  sq.   yds.=l  sq.   rod.  640  acres=l  sq.  mile. 

Surveyors'    Measure 

7.92  inches=l  link.  4  rods==l   chain. 

25  links=l  rod. 

10  sq.  chains  or  160  square  rods=l  acre. 
640  acres=l    sq.    mile. 
36  sq.  miles   (6  miles   sq.)=l   township. 
Cubic    Measure 

1,728  cubic  in.=l  cub  ft.  128  c.  ft.=l  cord  (wood) 

27  cubic  ft.=l  cubic  yd.  40  c.  ft.=ton    (shipping) 

2,150.42  cubic  inches=l  standard  bushel. 
268.8  cubic  in.=l  standard  gallon. 
1  cubic  foot=about  four-fifths  of  a  bushel. 

Long    Measure 
12  inches=l   foot.  40  rods=l  furlong. 

3  feet=l   yard.  8  furlongs=l   sta.   mile. 

5J4  yards=l  rod.  3  miles=l  league. 


58 


BUSINESS  LAWS 

Principals  are  responsible   for  the  acts  of  their  agents. 

Contracts  made  on  Sunday  cannot  be  enforced.  Written  con- 
tracts concerning  land  must  be  under  seal. 

Notes  do  not  bear  interest  unless  it  is  so  stated. 

If  a  note  is  lost  or  stolen,  the  maker  is  not  released  if  the 
consideration  and  amount  can  be  proved. 

Demand  notes  are  payable  when  presented,  without  grace, 
and  bear  legal  interest  after  a  demand,  if  not  so  written. 

An  endorser  on  a  demand  note  can  be  held  only  for  a  limited 
time,  variable  in  different  states. 

To  be  negotiable  a  note  must  either  be  made  payable  to 
bearer  or  be  properly  endorsed  by  the  person  to  whose  order  it  is 
made. 

If  the  endorser  desires  to  avoid  responsibility,  he  can  endorse 
"without  recourse." 

Notes  becoming  due  on  Sunday  or  a  legal  holiday  are,  as  • 
rule,  payable  on  the  day  following. 

A  note  made  on  Sunday,  or  one  dated  ahead  of  its  issue,  it 
void,  but  it  may  be  dated  back. 

If  a  note  is  altered  in  any  way  by  the  holder  it  becomes  void. 

A  note  made  by  a  minor  is  void  in  some  states  and  is  voidable 
on  judicial  decision  in  others. 

A  contract  with  a  minor  or  a  lunatic  is  void. 

If  a  note  is  not  paid  when  due,  the  endorsers,  if  any,  should 
b«  legally  notified  to  be  holden. 

A  note  obtained  by  fraud  or  given  by  an  intoxicated  person 
cannot  be  collected. 

It  is  a   fraud   to  conceal   a   fraud. 

Signatures  with  a  lead  pencil  are  good  in  law. 

The  acts  of  one  partner  bind  the  others. 

Each  individual  in  a  partnership  is  responsible  for  all  the  debts 
of  the  firm  except  in  the  case  of  a  special  partnership. 

The  word  "limited"  in  connection  with  firm  names  indicates 
a  limitation  of  responsibility  for  each  member. 

An  agreement  without  consideration  of  value  is  void. 

'Value  received"  should  be  written  in  a  note,  but  it  is  not 
necessary.  When  not  written,  it  is  presumed  by  law  or  may  be 
shown  by  proof. 

A  consideration  is  not  sufficient  in  law  if  it  is  illegal  in  its 
nature. 

An  endorser  of  a  note  is  exempt  from  liability  if  not  served 
with  notice  of  its  dishonor  within  24  hours  of  its  non-payment. 

If  a  letter  containing  notice  of  protest  of  non-payment  be  put 
into  the  Post  Office,  any  miscarriage  does  not  affect  the  party 
giving  notice. 

Notice  of  protest  may  be  sent  either  to  the  place  of  business 
or  residence  of  the  party  notified. 

A  receipt  for  money  is  not  legally  conclusive. 


59 


MEMORANDA 
STOCKS,  BONDS,  ETC.  Insurance  Policies 

Numbers    Numbers 


In  case  of  accident  notify 

Name 

Phone - . 

Address 

Property  of   


Name 
Address 


Weight    

Height    

60 


Make 
Car  No 


Style    ..............     Model 

License  No 


Engine  No  .....................    Cost   or    Investment    .......... 

Type    Insurance    ............................................... 

Monthly   cost   to   operate  approximately  2%   a  month  on  invest- 
ment,   plus  insurance,   plus   Garage,   plus  Gas,   Oil  and  Tires. 


MO. 


Gasoline  and  Oil 

Price  Price  Price 


Speedo'ter 
Reading 
Price       at  Start 


Gal 

Qts. 

Gal 

Ots 

G*1 

3 

Qts 

Gal. 

4 

Of  8 

Gal 

5 

Qts. 

Gal, 

6 

Ots 

Gal, 

7 

Ots 

Gal. 

Ots 

Gal 

Ots. 

I  r\ 

Gal 

10 

Ots 

Gal 

Ots 

1  O 

Gal 

Iz 

Qts. 

Note:  Subtract  last  mo's  speedometer  reading  from  present  read- 
ing and  divide  by  No.  gal.  gas.  to  obtain  miles  per  gal.  New  tires—- 
To get  mileage  make  special  note  in  the  Speedometer  Reading  Col. 
when  put  on. 

61 


FORTY-FOUR  LARGEST  CITIES  OF 

THE  UNITED  STATES. 

New  York  

..5,620,048 

Jersey  City  

298,103 

Chicago   

..2,701,705 

Rochester,  N.  Y.  . 

295,750 

Brooklyn  

..2,018,356 

Portland,  Ore.  .  .  . 

258,288 

Philadelphia  ... 

..1,823,779 

Denver  

256,491 

Detroit  

..    993,678 

Toledo  

243,164 

Cleveland    

..    796,841 

Providence,  R.  I.  . 

237,595 

St.  Louis  

..    772,897 

Columbus,  Ohio  . 

237,031 

Boston  

.  .    748,060 

Louisville    

234,891 

Baltimore    

..    733,826 

St.  Paul  

234,698 

Pittsburgh    

..    588,343 

Oakland,  Calif.   .. 

216,261 

Los  Angles    .  .  . 

..    576,673 

Akron,  Ohio  

208,435 

Buffalo  

_.   506,775 

Atlanta,    Ga  

200,616 

San  Francisco  . 

..    506,676 

Omaha,  Neb  

191,601 

Milwaukee    .... 

..    457,147 

Worcester,     Mass. 

179,754 

Washington,  D. 

C.   437,571 

Birmingham,    Ala. 

178,806 

Newark,   N.  J. 

..    414,524 

Syracuse,  N.  Y.   . 

171,717 

Cincinnati   

..    401,247 

Richmond,  Va.   .  . 

171,667 

New  Orleans  .  . 

..    387,219 

New  Haven,  Conn. 

162,537 

Minneapolis    .  .  . 

..    380,582 

Memphis,  Tenn.   . 

162,351 

Kansas  City  .  .  . 

..    324,410 

San  Antonio,  Tex. 

161,379 

Seattle   

..    315,312 

Dallas,    Tex  

158,976 

Indianapolis   .  .  . 

..    314,194 

Dayton,  Ohio  

152,559 

62 


DISTANCE  BETWEEN  CITIES  IN 
THE  UNITED  STATES. 


CITY 

New 
York 

Chicago 

New 
Orleans 

San 
Francisco 

Atlanta,  Ga. 

876 

733 

496 

2,810 

Baltimore,  Md. 

188 

802 

1,184 

3,081 

Boston,  Mass. 

235 

1,034 

1,607 

3,313 

Buffalo,  N.  Y. 

442 

525 

1,275 

2,804 

Cincinnati,  Ohio 

757 

298 

829 

2,377 

Cleveland,  Ohio 

584 

357 

1,092 

2,636 

Denver,  Colo. 

1,930 

1,022 

1,357 

1,376 

Detroit,  Mich. 

693 

272 

1,100 

2,551 

Duluth,  Minn. 

1,391 

479 

1,391 

2,243 

El  Paso,  Tex. 

2,310 

1,465 

1,195 

1,287 

Galveston,  Tex. 

1,782 

1,145 

410 

2,157 

Helena,  Mont. 

2,452 

1,540 

2,152 

1,255 

Indianapolis,  Ind. 

825 

183 

888 

2,462 

Jacksonville,  Fla. 

983 

1,097 

616 

3,098 

Kansas  City,  Mo. 

1,342 

458 

880 

1,986 

Los  Angeles,  Cal. 

3,149 

2,265 

2,007 

475 

Louisville,  Ky. 

871 

304 

778 

2,473 

Memphis,  Tenn. 

1,157 

527 

396 

2,439 

Milwaukee,  Wis. 

997 

85 

997 

2,364 

Minneapolis,  Minn. 

1,332 

420 

1,285 

2,101 

Mobile,  Ala. 

1,231 

929 

141 

2,623 

New  Orleans,  La. 

1,372 

912 

2,482 

New  York,  N.  Y. 

912 

1,372 

3,191 

Ogden,  Utah 

2,405 

1,494 

,891 

786 

Omaha,  Neb. 

1,405 

493 

,080 

1,786 

Philadelphia,  Pa. 

91 

821 

,281 

3,100 

Pittsburgh,  Pa. 

444 

468 

,142 

2,747 

Portland,  Me. 

350 

1,149 

,722 

3,428 

Portland,  Ore. 

3,204 

2,292 

2,746 

722 

San  Antonio,  Tex. 

1,943 

1,204 

571 

1,911 

San  Francisco,  Cal. 

3,191 

2,274 

2,482 

Seattle  Wash. 

3,151 

2,239 

2,931 

957 

St.  Paul,  Minn. 

1,322 

410 

1,275 

2,091 

St.  Louis,  Mo. 

1,065 

284 

699 

2,199 

Toledo,  Ohio 

705 

244 

1,040 

2,523 

Washington,  D.  C. 

228 

790 

1,144 

2,069 

63 


PARCEL  POST  RATES. 

First  Ea.  add. 

Zone  of  Distances                                         lb.  Ib. 

City  and  rural  delivery $0.05  $0.00>4 

Within  50  miles,  1st  zone 05  .01 

50  to  150  miles,  2d  zone 05  .01 

150  to  300  miles,  3d  zone 06  .02 

300  to  600  miles,  4th  zone 07  .04 

600  to  1,000  miles,  5th  zone 08  .06 

1,000  to  1,400  miles,  6th  zone 09  .08 

1,400  to  1,800  miles,  7th  zone 11  .10 

*  1,800  miles  and  over,  8th  zone  . .     .12  .12 
"Includes  non-contiguous  possessions. 


Restrictions 

Four  ozs.  or  under,  Ic  per  oz.  Over  4  ozs. 
considered  1  pound.  Fractional  pounds  consid- 
ered pounds. 

NOTE — Local  delivery  within  first  and  second 
zones,  weight  limit,  50  pounds;  balance  zones, 
20  pounds. 

Books  over  8  ozs.  carried  at  parcel  post  rates ; 
under  8  ozs.,  Ic  for  each  2  ozs. 


64 


RATES  OF  POSTAGE. 

For  United   States,   Alaska,   Cuba,   Porto  Rico,   Hawaii,   Guam, 
Tutuila  and  Phillippine  Islands 

First-Class  Matter,  two  cents  an  ounce. — Letters  and 
all  other  written  matter  (whether  sealed  or  not),  except- 
ing manuscript  copy  accompanying  proof-sheets,  also  all 
matter  sealed,  2  cents  an  ounce,  excepting  drop  letters 
at  NON-CARRIER  offices,  1  cent  an  ounce.  Postal 
cards  Ic  each.  Return  cards,  2c  each. 

Second  Class,  one  cent  for  four  ounces, — Newspapers 
and  periodicals,  published  quarterly  and  oftener,  and  en- 
tered as  second-class  matter.  Publishers'  rate,  Ic  a 
pound.  The  general  public  pay  by  affixing  stamps  at 
the  rate  of  Ic  for  each  4  ounces  or  part  thereof,  when 
not  sealed. 

Third  Class,  one  cent  for  two  ounces. — Books,  (print- 
ed, not  blank)  circulars,  other  printed  matter,  proof- 
sheets  and  manuscript  copy  accompanying  same,  photo- 
graphs, catalogs,  valentines,  sheet  music,  chromos,  post- 
ers, lithographs  and  printed  advertising  matter,  all, 
when  not  sealed,  1  cent  for  2  ounces,  or  fraction  there- 
of. No  writing  allowed. 

Sealing. — Any  matter  is  regarded  as  sealed  when  it  is 
not  so  wrapped  as  to  allow  of  a  thorough  examination 
without  in  any  way  injuring  the  wrapper. 

Registration.  —  First,  third  and  fourth-class  matter 
may  be  registered  at  any  Post  Office.  The  fee  is  10 
cents  in  stamps  in  addition  to  the  regular  postage. 

Special  Delivery  (extra,  in  addition  to  regular  post- 
age), ten  cents. 

Postal  Money  Orders. — Sums  not  exceeding 

$2.50 3c  $20.00 lOc  $50.00 18c 

5.00 5c  30.00 12c  60.00 20c 

10.00 8c  40.00 15c  75.00 25c 

$100.00 30c 

65 


INTEREST  CALCULATIONS. 


RULE — Multiply  the  principal  by  as  many  one-hundredths  as  there 
are  days,  and  then  divide  as  follows: 

Per  cent  4  5  6  7  8  9         10         12 

Divide  by  90         72         60         52         45         40        36         30 

EXAMPLES— Interest  on  $100  for  90  days  at  5  per  cent:  100  x  .90= 
9.00  divided  by  72=1.25;  one  dollar  and  25  cents;  on  $1  for  30  days  at  6 
per  cent:  1  x  .30=  .300,  divided  by  60=  .005  (5  mills). 

TABLE — Showing  the  number  of  days  from  any  day  in  one  month  to 
the  same  date  in  any  other  month. 


From           To 

Jan. 

Feb. 

Mch. 

April 

May 

June 

January 

365 

31 

50 

90 

120 

151 

February 

334 

365 

28 

59 

89 

120 

March 

306 

337 

365 

31 

61 

92 

April 

275 

306 

334 

365 

30 

61 

May 

245 

276 

304 

335 

365 

31 

June 

214 

245 

274 

304 

334 

365 

July 

184 

215 

243 

273 

304 

335 

August 

153 

184 

212 

243 

273 

304 

September 

122 

.153 

181 

212 

242 

275 

October 

92 

123 

151 

182 

212 

243 

November 

61 

92 

120 

151 

181 

212 

December 

31 

62 

90 

121 

151 

182 

From           To 

July 

Aug. 

Sept. 

Oct. 

Nov. 

Dec. 

January 

181 

212 

243 

273 

304 

334 

February 

150 

181 

212 

242 

273 

303 

March 

122 

153 

184 

214 

245 

275 

April 

91 

122 

153 

183 

214 

244 

May 

61 

92 

123 

153 

184 

214 

June 

31 

62 

92 

122 

153 

183 

July 

365 

30 

61 

92 

123 

153 

August 

334 

365 

31 

61 

92 

122 

September 

303 

334 

365 

30 

61 

91 

October 

273 

304 

335 

365 

31 

61 

November 

242 

273 

304 

334 

365 

30 

December 

212 

243 

274 

304 

335 

365 

EXAMPLE — How  many  days  from  May  5th  to  October  5th?  Look 
for  May  at  left  hand  and  October  at  the  top;  in  the  angle  is  153.  In  Leap 
Year  add  one  day  if  February  is  included. 

TABLE — Showing  the  time  in  which  a  sum  will  double  itself  at  the 
following  rates  of  interest. 


Rate 

Simple  Interest 

Compound  Interest 

2  per  cent 
3  per  cent 
4  per  cent 
5  per  cent 
6  per  cent 
8  per  cent 
10  per  cent 

50  years 
33  years,  4  months 
25  years 
20  years 
16  years,  8  months 
12  years,  6  months 
10  years 

35  years,        1  day 
23  years,   164  days 
17  years,  246  days 
14  years,    75  days 
11  years,  327  days 
9  years,      2  days 
7  years,  100  days 

66 


FORMULAS  AND  TABLES. 

To  find  diameter  of  a  circle  multiply  circumference  by 
.31831. 

To  find  circumference  of  a  circle  multiply  diameter  by 
3.1416. 

To  find  area  of  a  circle  multiply  square  of  diameter  by 
.7854. 

To  find  surface  of  a  ball  multiply  square  of  diameter 
by  3.1416. 

To  find  side  of  an  equal  square  multiply  diameter  by 
.8862. 

To  find  cubic  inches  in  a  ball  multiply  cube  of  diam- 
eter by  .5236. 

Doubling  the  diameter  of  a  pipe  increases  its  capac- 
ity four  times. 

Double  riveting  is  from  16  to  20  per  cent  stronger  than 
single. 

One  cubic  foot  of  anthracite  coal  weighs  about  53 
pounds. 

One  cubic  foot  of  bituminous  coal  weighs  from  47  to 
50  pounds. 

One  ton  of  coal  is  equivalent  to  two  cords  of  wood  for 
steam  purposes. 

A  gallon  of  water  (U.  S.  Standard)  weighs  8^£  pounds 
and  contains  231  cubic  inches. 

There  are  nine  square  feet  of  heating  surface  to  each 
square  foot  of  grate  surface. 

A  cubic  foot  of  water  contains  7j4  gallons,  1,728 
cubic  inches,  and  weighs  62T/2  pounds. 

Each  nominal  horse  power  of  a  boiler  requires  30  to 
35  pounds  of  water  per  hour. 

To  sharpen  dull  files  lay  them  in  dilute  sulphuric  acid 
until  they  are  eaten  deep  enough. 

A  horse  power  is  equivalent  to  raising  33,000  pounds 
one  foot  per  minute,  or  550  pounds  one  foot  per  sec- 
ond. 

The  average  consumption  of  coal  for  steam  boilers  is 
12  pounds  per  hour  for  each  square  foot  of  grate  sur- 
face. 

To  find  the  pressure  in  pounds  per  square  inch  of  a 
column  of  water,  multiply  the  heights  of  the  column  in 
feet  by  434. 

67 


CHART  FOR  SELECTING  A 
"BALANCED  RATION" 

The  selection  of  a  "balanced  ration"  from  the  chart  on 
opposite  page  can  be  made,  so  that;  one  can  live  within 
their  means,  and  at  the  same  time  "Eat  and  grow  fat," 
or  "Eat  and  grow  thin." 

In  general  the  average  adult  person  to  maintain  their  proper 
weight  according  to  their  height,  should  consume  between  2,400" 
and  3,600  calories  every  24  hours. 

The  term  "bal- 
anced ration" 
means  the  adjust- 
ment of  nutrients 
in  the  food  in 
such  a  way  as  to 
secure  complete 
and  perfect  nutri- 
tion without  load- 
ing the  body  with 
an  excess  of  any 
one  element.  This 
is  also  an  impor- 
tant point  on  the 
score  of  economy. 
A  large  percent- 
a  g  e  of  all  the 
earnirigs  of  man  is 
expended  for  food 
products,  and 
hence  these  prod- 
ui  c  t  s  should  b  e 
used  in  a  manner 

to  secure  the  best  results  possible.  If,  by  a  practice  of  scientific 
nutrition — 10%  of  the  value  of  foods  could  be  saved,  it  would 
create  a  fund,  which,  could  it  be  utilized,  would  minister  in  the 
highest  degree  to  the  comfort  and  welfare  of  the  human  family 
and  form  an  abundant  pension'  for  old  age.  The  term  calory  is 
used  to  denote  the  amount  of  heat  forming  material  contained  in 
one  unit  weight  of  a  food  product. — Harvey  Wiley. 

It  should  be  noted,  while  a  pound  of  any  certain  food  may 
contain  more  calories  than  a  pound  of  some  other  food ;  that 
doesn't  mean'  it  is  more  valuable.  Milk  is  considered  by  many  as 
the  most  perfect  single  food  item,  and  the  chart  shows  it  to  have 
a  low  calory  value  compared  with  other  food.  Therefore  a  great 
deal  of  study  and  experimenting  is  necessary  to  balance  a  ration 
to  fit  each  particular  person's  need.  But  the  chart  on  opposite 

Eage  should  be  useful  inasmuch  as  it  shows  the  percentage  of   fat 
Dund  in  various  food  and  as  a  general  rule  fat  people  are  fond  of 
food  in  which  this  percentage  runs  high  and  thin  people  eat   spar- 
ingly  of  this   same  food. 


WHAT   A 

WOMAN        WHAT  A   MAN 

SHOULD 

WEIGH: 

SHOULD 

WEIGH: 

4  Ft. 

10  in. 

108  Lbs. 

5  Ft. 

1  in. 

120 

Lbs. 

4    " 

11    " 

112      " 

5    " 

2    " 

125 

M 

5    " 

0    " 

114      " 

5    " 

3    " 

130 

" 

5      ' 

1     " 

118      " 

5    " 

4    " 

135 

M 

5     ' 

2    " 

123      " 

5    " 

5    " 

141 

" 

5     ' 

3    " 

126      " 

5    " 

6    " 

145 

" 

5     ' 

4    « 

129      " 

5    " 

7    " 

150 

" 

5      ' 

5    " 

133       " 

5    " 

8    " 

154 

M 

5     ' 

6    " 

137      " 

5    " 

9    " 

159 

M 

5    " 

7    " 

142       " 

5    " 

10    " 

164 

«< 

5    " 

8    " 

146       " 

5    " 

11    " 

169 

" 

5    " 

9    " 

150      " 

6    " 

0    " 

175 

" 

5    " 

10    " 

154      " 

6    " 

1    " 

181 

" 

5    " 

11    " 

158      "     6    " 

2    " 

188 

" 

68 


AVERAGE  COMPOSITION  OF  COMMON  FOOD  PRODUCTS. 
U.    S.    DEPT.    OF    AGRICULTURE,    BULLETIN    NO.    142. 


FOOD 

u 

"rt         T3 
>    v-    C 
"^    <u    3 

-    a^° 
13        PH 
3 
ft 
Cal- 
ories 

<u 
1 

<L> 

K 

% 

i* 

<u 

rt 

% 

g 

'53 

1 
% 

1 
% 

en 

62 

•S2 

rtT3 

u£ 
% 

'en 
< 

% 

Meats 

Beef 

1135 

20  8 

43  8 

13.9 

21.2 

0.8 

Veal  .    . 

745 

21   3 

52  0 

15.4 

11.0 

0.8 

Mutton 

1770 

9  9 

39  0 

13  8 

36  9 

0  6 

Lamb  
Fresh  Pork  

1075 
1450 

19.1 

12.  4 

45.5 
44.9 

15.4 
12.0 

19.1 
29.8 

0.8 
0.7 

Salt  Pork.  . 

3555 

7.9 

1.9 

86.2 

3.9 

Ham 

1635 

13  6 

34  8 

14  2 

33  4 

4.2 

Bacon.  . 

2715 

7  7 

17  4 

9.1 

62.2 

4.1 

Sausage  .    .    . 

2075 

39  8 

13.0 

44.2 

1.1 

2.2 

Poultry 

Goose 

1475 

17  6 

38  5 

13  4 

29  8 

0  7 

Turkey 

1060 

22   7 

42  4 

16   1 

18  4 

0  8 

Chicken  
Fish 
Halibut  
Shad 

305 

475 
380 

41.6 

17.7 
50  1 

43.7 

61.9 
35   2 

12.8 

15.3 
9  4 

1.4 

4.4 
4.8 

0.7 

0.9 
0.7 

Canned  Salmon 

915 

63  5 

21.8 

12.1 

2.6 

Cod  

220 

29  9 

58.3 

11.1 

0.2 

0.8 

Mackerel 

370 

44  7 

40  4 

10  2 

4  2 

0.7 

Dairy  Products 

Eggs  .    . 

635 

11   2 

65.5 

13.1 

9.3 

0.9 

Butter.  .  .  . 

3410 

11.0 

1.0 

85.0 

3.0 

Milk.  . 

310 

87  0 

3  3 

4.0 

5.0 

0.7 

Cheese    . 

1885 

34.2 

25.9 

33.7 

2.4 

3.8 

Bread 

Wholewheat  
Graham.  .  .    . 

1650 
1645 

11.4 
11   3 

13.8 
13.3 

1.9 

2.2 

71.9 
71.4 

1.0 
1.8 

White  

1635 

12.0 

11.4 

1.0 

75.1 

0.5 

Rye  .. 

1620 

12  9 

6  8 

0.9 

78  7 

0.7 

Sugar 

Granulated 

1750 

100  0 

Vegetables 

Beans  
Peas 

1520 
1565 

12.6 
9  5 

22.5 
24  6 

1.8 
1   0 

59.6 
62  0 

3.5 
2.9 

Potatoes 

295 

20  0 

62  6 

1   8 

0.1 

14.7 

0.8 

Corn  
Fruits 

Apples.  . 

430 
190 

25  0 

76.1 
63  3 

2.8 
0  3 

1.2 
0.3 

19.0 
10.8 

0.9 
0.3 

Bananas  
Grapes 

260 
295 

35.0 
25   0 

48.9 
58  0 

0.8 
1   0 

0.4 
1   2 

14.3 
14  4 

0.6 

0.4 

Nuts 

Peanuts  

1775 

24.5 

6.9 

19.5 

29.1 

18.5 

1.5 

Coconut. 

2865 

3  5 

6  3 

57  4 

31.5 

1.3 

Almonds 

1515 

45   0 

2   7 

11.5 

30.2 

9.5 

1.1 

English  Walnuts.  .  . 
Pecans  
Miscellaneous 
Chocolate 

1250 
1465 

5625 

58.1 
53.2 

1.0 
1.4 

5   9 

6.9 

5.2 

12  9 

26.6 
33.3 

48  7 

6.8 
6.2 

30  3 

0.6 
0.7 

2.2 

Cereal  Coffee  
Genuine  Coffee.  .  .  . 

30 

98.2 
100 

0.2 

1.4 

0.2 

Practically  no  nutrients  in  genuine  coffee. 

69 


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530H87 


UNIVERSITY  OF  CALIFORNIA  LIBRARY 


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